Core Business Qualification

In business for 1+ years — or at minimum 6 months with strong revenue

Monthly deposits $15,000 or more — their bank statements show at least $15K/month average

Active business bank account — not using personal checking for business transactions

US-based business with a physical address or verifiable location

Cash Flow Health Indicators

0–2 NSFs in their most recent bank statement

Positive average daily balance (not consistently near zero)

Deposits occur at least 3–4 times per week (not one large monthly deposit)

No active liens, judgments, or garnishments on the business account

Existing Obligations

0 or 1 existing MCA positions currently active

Current MCA payments (if any) represent less than 20% of monthly revenue

No active merchant processing holdbacks exceeding 15% of daily deposits

Use of Funds (Clarity = Better Outcomes)

Client can articulate a specific use: equipment, inventory, payroll bridge, expansion, marketing

Requested amount is proportional to monthly revenue (not asking for 5× their monthly deposits)

Use of funds generates revenue or solves a specific cash flow gap — not debt consolidation or personal use

Disqualifiers — Check These Last

If any of these apply, do not refer this client at this time.

5+ NSFs in any of the last 3 months

3 or more active MCA positions currently deducting daily

Active bankruptcy (Chapter 7 or Chapter 11)

Under $4,000/month in average deposits — below minimum threshold

Client needs the advance to pay off other MCA positions — consolidation requests rarely fund well

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Items confirmed

Complete the checklist to see your recommendation.

How to Use This Checklist

Making the Referral Conversation — A Script for CPAs

Once you've identified a client who scores positively on the checklist above, here's how to introduce the conversation naturally:

Opening (warm, not salesy)

"I was reviewing your situation and noticed that you're in a position where a working capital solution might help you [grow / bridge the gap / stabilize cash flow]. I partner with a business funding company — T.A.G. Business Funding — and they specialize in fast capital for businesses like yours. Would it be OK if I had them reach out?"

If they ask about cost

"It's more expensive than a bank loan — but T.A.G. works with businesses that can't get bank approval, and they're transparent about the full cost upfront before you sign anything. There's no obligation just to see what you qualify for."

If they say they don't need capital right now

"That's fine — it's good to know what you qualify for before you need it. Most business owners wish they'd applied before a crisis rather than during one. I can have T.A.G. do a soft pre-qualification with no impact to your credit if you want to know your options."

Disclosure Reminder

You receive a referral fee when T.A.G. funds your client. Best practice is to disclose this relationship when making the introduction: "I should mention — I have a referral partnership with T.A.G. and receive a commission if they fund your business. That said, I only refer clients I believe are a genuine fit." Transparency builds trust and protects you from any regulatory concerns.

Full CPA Partner Guide →

Strong Candidate? Make the Introduction.

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Client Qualification Checklist